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‘American Income Life'& National loCome е *• Octobem2002 + Volume 35 --&Number 30

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By Roger Smith
| |

| ricor

| E Bérndrd Rapoport
| I 4

atus

By Bo Gentile

PERSPECTIVE

The Road to Success

Calvin Coolidge once said,
“Nothing in the world will take the place of persistence. Talent
will not; nothing is more common than the unsuccessful person.
with talent

Genius will not; unrewarded genius is almost a proverb.
Education will not; the world is full of educated derelicts.

Persistence and determination alone are omnipotent. The slogan
‘press on” has solved and always will solve the problems of the
human race,”

In other words, you can have talent but no motivation to

use it. If this were the case where would you be?

1 guess what Calvin Coolidge was trying to say was that no
matter how much talent,

dance a little. It is said that Astaire kept that memo over

the fireplace in his Beverly Hills home. | think the memo

served as a reminder of the bumps Mr. Astaire sustained

along the way to fame and fortune

Success is a destination that is attainable for everyone.

With motivation, determination and tenacity, success can

be more than just within your grasp — it can be yours.

In the three years I have been doing this job and in all my

travels during this time, I have been hard-pressed to find

anyone in this organization who is not motivated or does

not have sheer determination to succeed,

It is the Tim Cruises, the Carla Millers, the Paul Rumbucs,
the Debbie Enstedts and the

genius or education you think
you have, these things will
never replace sheer persistence
and determination when it

FROM THE DESK OF:

Darrell Doreys who have led the
way in American Income's
journey to success.

At American Income, we are

Roger Smith now entering the fourth quarter
comes to achieving success. President & Chief of 2002, and we are on the last
Have you ever heard the Marketing Officer of | lap of our journey to that $75
phrase, "The road to success is American Income Life — | million goal. This year has been

paved with gold?” We know
differently. Í think the person
who spoke these words was an
individual who had talent, but
had no motivation to use it, or

after others have let go.”

"Success seems to be largely a matter of hanging on

а great year, and, though at times
it may have seemed it was paved

with gold, it has not always been
— William Feather | so easy. It may not be so easy in

the months to come.

perhaps itis a person who has
never had to work to get to the top.

Oftentimes, the path to success is not quite so smooth,
Those of us who have ventured down the road of
achievement and success know what kind of bumps can
crop up along the way. The journey can be long, and
many times not an easy walk at all — certainly not paved
with gold. During the trip we may fall, ог fall behind, but
through persistence and determination we are sure to
reach our destination,

Think about this, After Fred Astaire’ first
1933, a memo from the MGM testing director was
circulated around the studio which said, "Can't act.
Slightly bald. Can dance a little.” We all know what
happened to that individual who couldn't act and could

creen test in

Some people think the last le
a long journey is all downhill. Others believe it is only by
pushing to the very end that the journey can be
considered a success. My question is which philosophy
are you going to live by during the last leg of our race to
$75 million?
As of the end of September, you have pulled in an
incredible $65,096,000 in production. This m.
have only $9,904,000 left to reach $75 mil
the mind-set it is only right to keep pushing with
motivation, determination and tenacity — down that long
road to achievement — and possibly blow that $75
million right out of the water. Are you with me?

Let's ride — $75 million in 2002!

SPOTLIGHT OCTOBER 2002 = WWWAILIE COM.

Dates to Remember

EDITOR'S PAGE

Milestones
$100,000 In Force
"The following Agents have $100,000 of in-foree premium:

Lance Brown Andrew Rossherg
Harold MeSweeny

Tuesday, Nov. 26, 2002
All business and PR. credits must be received in Waco

to count for November production,

Thursday, Nov. 28 and Friday, Nov. 29, 2002

The Home Office will be closed for the Thanksgiving Day Holiday
Friday, Dee. 27, 2002

All business and PR. credits must be received in Waco

то count for December production,

Founder's Club Outstanding Producers 1 k
Third Quarter

Times Total
Agent SGA Qualified NetALP нб Retention

Douglas Bauknecht | Rick Alti 3 ished mo

Marcus Bautista | Giglone-Bristr | 1 вв pease ated
Jim Bianchi Durhon Oldham 2 821 Insurance Company
Lance Brown Cohen-Hartman 2 80.9 for the dissemination
Timothy Cruise Scott Smith 10 745 of information ro its
James Dattilo Marc Zipper. 4 797 Agents. Permission.
Lynn Erickson. David Cohen x 781 must be obtained prior
Maria Esposito. Cohen-Hartman 1 794 ло reproduction
Gary Ponting ames Surace 1 656 or other use of
Alex Roland Chris Lafond 1 755 material here
‘Anita St. Amaud | Cohen-Hartman 1 820

Julie Wells Vlad Basov 1

Keith Zabrocki Marc Morton. 1

“Percentage of Wot to Gross

P MARKETING
Founder's Club Outstanding PR. Representatives a
‘Third Quarter Viel ntti
Number of p
a M tona On
инимин
Robin Andrade Giplone-Brister 4 13,090 Cards. FR orem
Robin Denham Larry Geneser 10 11,991 Cards
Darrell Dorey Ramin Koutadji 7 65 Groups ЖА".
Krissa Hensley Mike Jones f 24 Groups.
Roy Jessome Ramin Кошай! 1 47 Groups
Rona Spano Scott Smith 5 28478 Cards.

Look For The Asterisk

The asterisks, shown throughout the magazine, indicate that place will be a year-to-date award winner. The Producers, who will be
recognized at the 2003 Disney" Awards Presentation, are as follows: the top SGA from each category, the top two PR. Managers
and the top three Representatives from each category, the top five MGAs, the top SA, the top five GAs and the top ten Individual
Producers. Check your production! If there is an asterisk by your position, you could be an award winner!

Required Retention Rate

Beginning Jan. 1, 2002, to be eligible for bonuses and featured in Spotlight, top Producers must meet the required Retention rate,
or the minimum Net to Gross ratio*.

Net to Gross: 77 percent
Retention: 64 percent

* ecto Ges is only ue daring the Producer fist eight months

A NOTE FROM В

The American Income Secret

When I founded American Income Life Insurance
Company in 1951, we were short — very short — on
money. To fill in the gaps, 1 felt the perfect substitute
would be a commitment to a culture. So from day
one, I was committed to what I called transparency.
By transparency, 1 mean operating the Company as if
we were in a glass house with megaphones. 1 wanted
there to be an open feeling inside and out. I wanted
it to be more than a company; I wanted American
Income to be a family — a caring family!

To accomplish this, a doctrine was established:

a great leader in Roger Smith! Though, I will steal
some of the credit since I raised him.

1 love the opportunity to visit with the "world's
greatest sales force" in the Spotlight. It is especi
rewarding as 1 look at your sales results for the y

1 love talking with Roger as he enthusiastically relates
how well the field is doing individually and
collectively. What is equally exciting is the bonuses
each of you are receiving.

The bonus system today is far better than the bonus
system set 50 years ago. American Income Producers
can earn 30 to 40 percent

to serving our market
— the union members
of America.

2. AIL will exist to sell
what union members
need — a good Life
insurance program.

3. AIL will be the first in
the industry to provide
our Field Force
the opportunity for

1. AIL will be dedicated |

the imagination."

FROM THE DESK OF:
Bernard Rapoport

"AI [great] acts performed in the world begin in

more with the same effort
than in days gone by.

The vision Roger has for this
Company is continually
affirmed by each month's
production and the growing
number of bonuses. The
American Income Life team
keeps coming up with more
reasons for us to say, "You
ain't seen nothing ye

Founder &
Chairman Emeritus.

— Barbara G. Harrison

vested renewals.

4. AIL will work together to build a great financial
institution by focusing on being transparent —
what you see is what you get!

5. AIL will be totally committed to our family,
thereby building a company geared completely
toward Opportunity Unlimited.

At AIL, we lived and worked by this doctrine because
we wanted to see our family grow — and grow it has!
We had a strong network of leaders to look after our
family then, and today you are certainly blessed with

As 1 look at all that is going
on at AIL, my spirit ignites! American Income is
growing better and better with each passing day. All
this simply means is the Opportunity of yesterday is
dwarfed by what Opportunity Unlimited really is today!
This is the tradition of AIL — where the tomorrows
are always better than the todays. That is why when
you are asked what company you represent, you can
proudly respond — American Income Life!

4 SPOTLIGHT OCTOBER 2002 = WWWAILIFE COM

PROMOTIONS

Catherine Clarke
Steve Friedlander

Нем Zealand

Eleanor Bullock Jeffrey Bundy
‘Shashi Paris Mare Zipper
South Carolina Foris
Christopher Conforti Allan Crystal
Eri Gigione se D'Amico
New Jersey Pennsylvania
Lesley Habers Paul Hall

Al Shahrak Rick tig

North Carolina Tennessee
Samuel Joseph Roberta Kenniston
Tom щи Rick Ag
Florida ‘abo
Timothy Maurer Lance Menard
Mare Zipper КУЧ
пона Virginia

Drew Pison Travis Price
Pick Alig Rick Ag
Manitoba ‘Washington
Миен Rose Raha Sehgal
‘Cohen Hartman David Cohen
Ariona Caltomia
Jenell Thornton Enc Topper
Wiienbach-Ostrovsky Al Shahrak
Mississippi North Carolina
Natascia Wilson.

Stephen Atwell
Kevin Рамона
Toas

John Claxton
Robert Hughes
North Carolina
Danilo Mendoza.
Marc Zipper
Florida.

Rakesh Rekhi
Giglone Biter

Daniel Маут
ihe Jones
[^ Massachusetts

‘A Shab
North Carolina

Mike Cameron

Shirley Henson
GeneserBitman
"nois.

Alex Langford
Rick ig
КУЧ

Chad Meyer
Fuer itinghut
Calforia

Maia Pruitt
Hurst Корр
Arkansas

Crystal Sessions
Al Shahak
North Carolina

Mariya ‘Teavkin
Dovid Cohen
Calorna

Ross Evans
Guy Rouele
Vermont

Scott Mitchell
Kevin Pawlowski
Teas

Frank Rosello
Ed Orell

Texas

romoted To Master General A

Loreen Baloun Roger Geering
Rick ig Steve Friedlander
Manitoba New Zealand

John McGrath William Sargent
Flick Aig ‘Shashi Pare
Abeta South Carolina

“Tracy Haden
Kevin Ранок
p

David Tubbin
Piek Alig
9

‘SPOTLIGHT OCTOBER 2002 в WWWAILIFECOM

Scott Dannenberg

Heather Baus
Rick lig

‘South Dakota

John Cano

Bill Jennings

Colorado

Todd Ecker

‘Nichole Nitkowski
Louisiana

James Hopkins

Rob Boles

Ohio

Teresia Martichonok
Jot Fat

Caltomia

Christopher Mohan
Guy Rovelle

New Hampshire

Reese

Luke Barnhart
Marc Merton

оно

lan Fiyon

Joshua Chalom
Ontario

Raomel Morrison
Eric Giglone.
Pennsyvania
Gabriel Springer
Marc Merton

Ohio

Peter Hamm
Eric бюге
New Jersey

Alfred Brenner
Е)
сота
Delenea Cato

Jimmy Edwards
Witenbach Ostron
Mississippi
Kenneth Hunter
Geneser-Bitman
Minois

Carl Martin
David Cohen.
Colforno

Nelson Morell
Erie Giglone.

Nov Jersey,
Rachelle Rembert
мис Morten

Ohio

Siddharth Singh.
Miko dones.

Ohio

Michael Virgin
Marc Morton

Ohio

Charles Beaver

Loyd Fitzgerald
Toas

Edwin Jammer
Kevin Римом
Teras

Robert Muehlberg
ВИ Jennings
Colorado

Marsball Townsend
Nichols Ntkowski
Lois

Shannon Lee
Robert Hughes
North Carolina

Brian Brophy
David Cohen
сата
Patricia Clausen
Marc Zipper.
Borda

Karlene Gray
Erie Gigione

New Jersey ү
Michael Jacldon.
Scot Smith
Minois

Tommy Martiner
AN Shayak

North Carolina
Juan Carlos Ortiz
Joshua Chalom
Ontario

Robert Ridley
Tom Wiliams
Ford

Jared Starman,
Genesee Biman
Minois

John Walliams
GoneserBitman
Minois

John Beckley
Gonoser-Bliman
Minois

Asif Javaid
rc Giglone
New Jersey

Vie Hancock
Indiana

Kadlton Willis
Marc Zipper.
Рома

‘Timothy McCleskey
Rick atig
Tennessee,

INDIVIDUAL PRODUCERS

1, Marlon Underwood
Woodridge, IL

Woodridge, IL

5, James Dattilo

cksonville, FL Winnipeg, MB

Russell Morris.

| Altamonte Springs, FL Burnaby, BC

), Barclay Moran

Calgary, AB Woodridge, IL

SPOTLIGHT OCTOBER 2002 = WWWAILIFECOM

All Time Record to Beat

. Marlon Underwood

. Timothy Cruise.

. Ruben Soberanes

. Bret Fels

. James Пао

Devin Helps

. Russell Morris

. Raymond Lau

. Barclay Moran

. David Wang
Patrick Parisi
James England
Wiliam Moar

. Douglas Bauknecht.

. Kent Booze
Todd Wishnev
Jerry Griggs
Matthew Wolfanger
Steven Johnson
Brian Buckley
Yvonne Hernandez
Mervyn Ee

. Mark Redington

. Nestor Aramayo
Gary Ponting
Sherry Callaghan
Kelly McDonald

. Evanne McKenzie
Ann Lindberg
Steven Lee

. Chad Meyer

. Asif Javaid

Joshua Robinson

. Cody Rogers

j. Edward Daley

. Alex Roland

. Leslie Taylor

, Jennifer Baron

. Al-Karim Walji

. Alice Wong

|. Scott Sonnenberg
Dan Simperingham

. Steve Foti

. Todd Lucas
Jon Parker.

. Thomas Morgan

. Jonathon Cummings.

. Cherry Nichols

. Brian Moore

|. Robert Russo

INDIVIDUAL PRODUCERS

Eric Nichols.
Doreen Ryan-Foti
Eric Neal

James Dattilo
Loreen Baloun

Roger Fung
Rick Choptuik
David Wang

Gregory Partee.
Rick Choptuik
Gary Wiliams
Ronald VanWoesik
Lee Conti

Nickolay Gusev
Paul Rumbuc
Melanie Cohen

David Iriye
Russell Chang
Paul Rumbuc
William Cook.
Anthony Zuppe
Russell Chang.

Lawrence Hauck

Stephen Lee
Steven Edgell
David Hausman
Leslie Taylor

Nickolay Gusev

Leslie Taylor
William Cook
Melinda-Rae Lyse
Russell Chang
Scott Sonnenberg
Lawrence Hauck
Steve Foti

Brian Waller
Tracy Haden
Shehan-Quinn
Paul Rumbuc
Mindy Guisewite
Brandon Geneser
Steven Lee

SPOTLIGHT OCTOBER 2002 = WWWAILIFECOM

‘Marlon Underwood

Volodymyr Derevyanyy

Scott Smith
Scott Smith
Jatott-Foti
Geneser-Bitman
Mare Zipper
Rick Altig

Marc Zipper
Rick Altig

Rick Altig

Scott Smith

Lisa D'Amico
Vic Hancock.
Rick Altig

Rick АНЮ

Май Basov
David Cohen
Май Basov
Durhon Oldham
Giglione-Brister
Ramin Kouladji
David Cohen
Rick Altig
Durhon Oldham
Tom Wiliams
James Surace
Rick АМО
Jatoft-Foti

Stove Friedlander
Rick Altig
Altio-Martyn.
Furer-Whittinghil
Eric Giglione
Geneser-Bitman
Vlad Basov
Giglione-Brister
Chris Lafond
Geneser-Bitman
Tom Wiliams
Rick Altig

Rick Altig

Larry Geneser
Steve Friedlander
Jatoft-Foti

Scott Smith
Kevin Pawlowski
Larry Geneser
Durhon Oldham
Matt Blumert
Larry Geneser
Rick Altig

| sme |a | an [| September Qualifiers
Carl ller $41,337 2001

< Percentage of Net t0 Gross

All Time Record to Beat

1. Timothy Cruise

2. Marlon Underwood
3. James Datlilo

4. David Wang

5. Lance Brown

6, Ruben Soberanes
7. Kelly McDonald

8. Jim Bianchi

rim Walji

"10. John Rice

. Roland Parker

` Joey Kennedy

. David Tubbin
Matthew Wolfanger

. Joshua Robinson

. Andrew Rossberg

‚ Jennifer Baron
Raymond Lau
Russell Morris

. Kendra Roberts.

.. Alex Roland

. Clay-Nghia Nguyen

. Anita St. Arnaud.

. Leslie Taylor

. Guy Panno.

. Douglas Bauknecht

. Keith Zabrocki.

. Joseph Moore

). Mark Bleier

. Julie Wells

. Ramin Maghsoud

. Steve Foti

|. DeMario Cooper

.. Gary Ponting

. Scott Remmey

. Larry Wright

‚ Moneesha Smith

. Larry Adebesin
Harold McSweeny
Eric Guinn

‚ Emmanuelle Fantoli
Marcellus Adams
David Jackson

. David Mah
James Schneider

. Lynn Erickson

‚ Abdulrazzaq Ahmed
John Reinbott
Maria Esposito

, James Peate

INDIVIDUAL PRODUCERS

$175,194
172,939
131,685
119,670
119,479
116,939
114,160
109,108

107,231
106,488
106,258
104,908
104,119
102,923
101,782
101,267
101,152
100,988
100,142
100,120
97,109
93,149
92,848
92,613
91,587
90,954
90,279
90,167
90,119
87,875
87,159
86,940
86,917
86,206
85,720
83,552
82,484
81,893
81,486
80,868

SPOTLIGHT OCTOBER 2002 =

Erie Nichols
Marlon Underwood
James Dattilo
David Wang
Darren Miller
Doreen Ryan-Foti

Paul Rumbuc
Melinda-Rae Lyse
Doreen Ryan-Foti

Gary Williams
Wendell Bangs
Paul Rumbuc
Leslie Taylor
Theodore Pappas
Wiliam Cook
Roger Fung

Robert Delesky

Ronald VanWoesik
Christine Hartman
Leslie Taylor

Gary Williams
Bruce Hennick
John McCreary

Nickolay Gusev
Steve Foti
DeMario Cooper
Anthony Zuppe
Jeffrey Dinacento
Byron Watson
Derek Hartley

David Iriye
Marcellus Adams _

Christine Hartman
James Peate —

WWWAILIFE COM

Scott Smith
Scott Smith
Marc Zipper
Scott Smith
Cohen-Hartman
Jatoft-Foti
Jatott-Foti
Durhon
Rick Altig
Jatoft-Foli

Tom Williams
Rick Altig

Rick Altig
Durhon Oldham
Geneser-Bitman
Richard Rutt
Tom Wiliams
Rick Altig

Marc Zipper
Eric Giglione
Chris Lafond
Vlad Basov
Cohen-Hartman
Geneser-Bitman
David Cohen
Rick Altig
Marc Morton
Furer-Whitting
Gary Bleier
Viad Basov
Май Basov
Jatoft-Foti
Geneser-Bitman
James Surace
Eric Giglione
Robert Patterson
Eric Giglione
Matt Blumert
Robert Patterson.
Ali Shahrak

Cohen -
Han ris
Tom Wiliams

ç$ `

< Percentage of Net to Gross

COMMUNITY INVOLVEMENT

MONETARY DONATIONS

American Income Life
е Contributed $3,700 to the International Women's.
Democracy Center.
Rick Altig Agency
© Donated $1,000 to the Workers of Tomorrow Health
and Safety Campaign,
Lisa D'Amico Agency
* Contributed $250 to the ABATE of Pennsylvania
scholarship fund.

Joseph Manone Agency
œ Contributed $100 to the Southeastern Wisconsin Labor
Management Council for their annual golf outing.

* Donated $300 to the Hunger Task Force of Milwaukee
through an event held by the Teamsters Local 344.

Shahrak-Smolenski Agency
© Gave $200 to support over 3,000 IBEW Local 50
workers on strike.
Scott Smith Agency
* Donated $120 to the Illinois IBEW Local 134.
* Contributed $300 to the Brotherhood of Railroad
Signalmen for their international convention.

* Donated $160 to purchase a TV for the Illinois
Sheetmetal Workers Local 73 annual picnic.

ме $220 to the Illinois Teamsters Local 673 for their
ual picnic.

* Donated $40 to the Illinois NE Federation of Labor.
* Contributed $160 to the Chicago Federation of Labor.

* Gave $30 to purchase door prizes for the Plumber
Local 174's annual picnic

Scott Smith Agency Соп!
е Donated $100 to the Michigan Carpenters 525 annual
golf outing.

* Donated $85 to the Michigan UAW 137 for their
annual picnic,

® Gave $100 to the Illinois Crime Commission in honor
of Frank Wsol.

* Contributed $170 to the Indiana Boilermakers Local
724 for their annual picnic,

* Gave $400 to the Chicago Federation of Labor to
celebrate the retirement of President Don Turner.

Total $10,842

OTHER DONATIONS

Scott Smith Agency
* Donated a 25" TV to the SEIU Local 4 for their annual
golf outing and raffle.
Joseph Manone Agency
* Purchased an advertisement in the Annual Machinist's
Golf Jamboree Booklet.

* Donated tees and repair tool kits for the Machinist's
annual golf outing.

SPOTLIGHT OCTOBER 2002 = WWWAILIFECOM

Timothy Cruise
Marion Underwood
Ruben Soberanes
dames Dato.
Devin Helps
Raymond Lau
Douglas Bauknecht
Bret Fes

Matthew Wotfanger
Davia Wang
Russell Moris
Patrick Pars
Steven Leo

Asil Javaid

Nestor Aramayo
Jenner Baron
‘Alex Roland.

Leslie Taylor
AbKarim Wal
Mark Reddington
Andrew Possberg
sinzhou Zhao
Joshua Robinson
Brian Buckley

Jim Bianchi

Gary Ponting
Lance Brown
Douglas Zigby
George Sturge
Thaddeus Szuwalski
Kelly McDonald
Timothy Houser
‘Ann Lindberg

Gene Noury
Scott Remmey
Adam Kiss
Marcus Bautista
Dale Cheney
Scot Sonnenberg
Scot Goorgor
Mark Bleier
Eric Tuttobone
Keith Zabrocki
Barclay Moran
dennifer Schnarr
Kata pco

ara Es
Steve Foti
dames England
Julie Wells
Wiliam Moar
Brian Moore
Robort Russo
A

pears

“їп Bumett
‘Abdulrazzaq Ahmed
Hal Herman
Patrick Duray
Robert Ureich
Kenneth Madden.
Kendra Roberts
Robert Tooley
Kent Booze
Todd Wishnev
Daran

ame Taylor
Jerry Griggs
Bruce Jones
Steven Johnson
Eric Grier

Scott Smith

Mare Zipper
Lisa Amico
‘Martyn
Ene ien.
Tom Wiliams
Tom Wiliams
Chris Lafond
Geneser-Biman
Fag
Duthon Oldham
Richard Rutt
Rick Aig
Geneser-Bitman
Ramin Кошай)
Durhon Oldham
dames Surace
ohercHartman.
Josh Chalom
Ramin Кошай)
Eric Gighone
dato Pot.
Duron Dam

David Zophin
Eric Giglone.
Flohard Rutt
gine Biter
Ali Martyn
Larry Genaser
Durhon Oldham
Beer
Durhon Oldham
Marc Morton
Rick Alig
Marc Morton
Rick Al
Cohen Hartman
dato Fol
Vic Hancock
Vad Basov
Rick Alig
Larry Geneser
Rick Ai.
Ai Shahrak
Genes
ad Basov
Scott Smith
Durhon Oldham
Rick Alig
dato Ft
‘ato Fol
Eric Gighone
Geneser-Bitman

Rick Alti
Bil. jw
Eric Giglone

RETENTION BONUS

Yvonne Hernandez.
Meryn Ee
Shery Callaghan
Evanne MoKenzie
Chad Meyer
Bubinder Hayer
кел
а
Jason Danielson
Cy Pogor
"s
Edvard Daley
Francisco Perez
Lorena Barriere
Dennis Pochron.
Gary McClanahan.
Асе Wong
Rakesh Rekhi
Viban
otn Baloun
Andrew Fie
Larry Bures
se Noor
Joseph Moore
ChrisCummings
Thomas Tulowiecki
David Wiliams
Amy Snyder
Rebecca Francis
Scot Jordan.
John Franklin
Errol Doer
Lee Cont.
Michael Jackson

Lesie Benson
Dan Spe
imperingham
Clay-Nghia Nguyen
Todd Lucas
don Parker
Desmond Fletcher
Frank Lindal
Jerome Tudos
Thomas Morgan
Jonathan Cummings
Cherry Nichols
David Bunton

Leandrew Alexander
Anna-Liisa Rajala
Maurice Davies
EF
Julie Aprahamian
Stephan Rubin.
ua Goodman
eid
7
=
+=
Earle Harris
=
Kenneth Jones
Robert Boyer
E

QUALIFIER
David Coher 31571 Jeffrey Ravnitzky
ck Ag $1569 Michael Saracino
Rick Alig $1550 Кедей

Furer-Whitinghit $1,519 Vadim Gazanchiyants

Rick Alig $1,517 Juan Medina
Scoti Smith $1508 — Benjamin Mancilas
Rick. $1507 Alan Buck Luymes
E Ж. Hen ‘Lawrence Tenamore
ааа
David Cohen. $1496. ЕҢ Shaffer
Vlad Basov $1496 — Danny Desentz
Giglone-Brister 51489 Glen Sylvester
Eric Giglione $1483 Bryan
зле бли Pici Dean age
ae О

Бает Rd Kang Rong U
Giglione-Brister $1455 Travis Price

id $1433 Lisa McGee.
Rick Al $1426 Katrina Thompson
Bob Glover. $1413 Susan Schweitzer

Rick A $1409 Chad Doley
Tom Wi $1399 Kris Baron
ames Surace — $1398 Lisa
Witenbach-Ostrovsky $1393 — James
David Cohen 51291 Elizabeth
Rick lig

David Cohen

Scot Smith

Matt Blumert
[апу Geneser
Ман Blumert
Scott Smith
‘Scott Smith
Durhon Oldham
Bil Jenni

Eric Giglone
Geneser-Bitman
Jatott-Foti 51221 Stephen Momberg
Eri Gigione $1219 Каа Nonis

м $1219 Joey Kennedy

SPOTLIGHT OCTOBER 2002 ж WWWAILIFECOM

RETENTION BONUS

Vic Hancock.

ШШ

НН
pie

Durhon Oldham

НЕ
D

Ue ani gs
5781
бат
Marc Morton. бат
Witenbac-Ostroveky $774
Заю ғой $770
Chris Lafond
Jato Foti $755
Mark Hancock $752
Cohen-Hanman 8746
Cohe-Hartman
Scot Smith $727
Furer-Whitinghil — $707
Man pamat m
$700
ўн Al Shahrak $657
ўн Geneser-Biman $657
$858 ShavakSmoensi $854
#7 Geneser-Biman $99
E gione $649
ЕУ подала $646
E Tom Wiliams 392
$851 Noah Staker Vic Hancock. $639
$850 Marina Galyutna Richard Rut $636
$848 Travis je Rick Alig $636
$847 DerckSmih Kevin Pawlowski — $634
$848 Todd Kuen Gary Beier $634
$846 Matthew Furish Ис Hancock. $632
$846 Steven Mingo Duhon Oldham — $632
{$844 Roger Redmond Bil Jennings $630
$1 Philip Prata Eric Gigione $629
$841 Jerod Lisko d
S835 Kevin Haines Ramin Kouladji 3623
$932 Gray Dennis Isler $623
$829 facDonald Rick Alig $621
5809 Michael Givens JatohFol 3620
$826 Vidaoovich Ed Orell $620
$826 Michael Tranumn Robert Hughes 3618
5825 BradVanAlen GigloneBnser $615
5805 Aben Heny Marc Zipper $615
$822 Alan Gibert Scot Smith $612
3820 PaticaMandeko Спів Lafond 3612
$817 Stan Paging Pichard Rut $612
$817 Kenneth Hunter GeneserBiman $808
$815 Ene Woods Chris Lafond $608
$813 Chris Confort Eric Gigione $602
$812 Heather Baus Rick Aig $601
S810 Lany Gardner Кейп Рамон — $800
5810 Benny Thompson АЧ Shahrak $598
Г iertegn Hemy Nek Mowat $507
$807 ‘Wade French Steve Friedlander $597
{906 Crystal Sessions Al Shahrak $597
E $596
E $596
E: $593
E $593
E $593
$900 $592
$798 E
E] $592
БОА $591
E] $581
$796 $590
ўв $580
Ec] E]
$795 $586
E] 5586
$734 $585
ўю $583
E] $583
Er] $582
S785 $580

SPOTLIGHT OCTOBER 2002 ш WWWAILIFECOM

‘QUALIFIER
Adam Vierra Chris Lalond
Louis Racz Eric Giglione
Paul Lee Furer-Whitinghil
Steve Augustine Scott Smith
Shamshinder Sidhu Rick Alig
Pablo Pirela Scott Smith
Ellen Wohlen Eric Gighone
Leslie Bemard Durhon Oldham
Shannon Richardson Geneser-Bitman
Maia Pruitt Hurst Kopp.
Todd Jordan Rick Mansfield
Meneluo Perakis Scott Smith
Christopher Folmer Dennis Ishler
Leonard Mathis
David Laggan
Deborah Livrgood er
Neil Lil Eric Giglione.
Jenny Campbell Rick Al
‘Michael Schultz. Larry Geneser
Richard Spicer аут
‘Shahzad Khokhar — Josh Ct
Rodolfo Gutierrez Rick Aig
Jeffrey Purell Giglione-Brister
Solomon Zaltsman — Giglione-Brister.
MAYNA Giglone-Bist
me r. етеп. з cA
аі Ange vc Zipper
OyaBane Duhon dham
Lester Denloy Wittendach-Ostrovshy
Eric Ronke Rick, AE
Guy Adams. n Kouladi
Craig Jorgenson Gary Bleier
Jefferson Yupitun Pick Alig
Darren Carrey Rick Aliq
‘McClain Vic Hancock
David Cohen.
Morton
Duron Oldham
David Cohen.
David Cohen.
in Kouladji
‘Scott Smith
Eric Giglione
Durhon Oldham
Eric Giglione
Jatt
Eric Giglione
‘Allan Jennings
Richard Rutt
Tim Schroeder.
Scott Smith
Steve Friedlander
Rick Altig
Rick. al
David DeFonzo Bill Jennings.
Meralis Torres. Joseph Manone
Jefferson Exil Tom Williams.
Jeffrey Ahrens. Durhon Oldham.
Jeffrey Brown. Vlad Basov
Carlos Bryant Geneser-Bitman
Kishor Gothana Eric Giglione
John Wiliams Geneser-iiman
‘Joseph Raab Eric Giglione
Brandon Hodges Fick Alig
‘Andrea McCauley Dennis Ishler
Floyd Hines Hurst Kopp
Megan Gordan Тіт Schroeder
Jennifer Elam Geneser-Bifman
‘William Madison Eric Giglione
Total Bonus Paid Out
$472,638

SUPERVISING AGENTS _ GENERAL AGENTS

rt ‘Swansea, IL 8 Rochester, NY
Irving, TX
і Jeffersonville, IN e Edison, NJ

1. Kevin Thornburg

Ft. Lauderdale, FL

Month: $111,262 Net ALP Eric Neal

Damon Hartley Geneser-Bitman

Month: $43,409 tst Yr. Gino Tanzit Month: $50,606 Net ALP Chad Roehrs

2. Jim Bianchi Paul Rumbuc Durhon Oldham

3. ВИ Thompson Gregory Partee | Vic Hancock

4. Gregory Jeffers David Hausman | Eric Giglione.

5. Joshua Robinson Leslie Taylor Geneser-Bitman

6. Dennis Kelleher Melanie Cohen Giglione-Brister
1. Darren Brink Nickolay Gusev 7. Denise Gilbert. Brian Waller Scott Smith.
2. James Sun Wilbur Smith 8. Samuel James Wittenbach-Ostrovsky
3. Anthony Thomas Israel Pena 9. John Beckley Damon Hartley Geneser-Bitman
4. Michael Czopek David Hausman Eric Giglione 10. Scott Blum Mahmoud Kenareh | Ali Shahrak
5. Clay-Nghia Nguyen. 4 Ronald VanWoesik | Vlad Basov

YTD Production YTD: $489,120 8 Yr. it Neal YTD: $864,620 Net ALP

YTD Production YTD: $442,726 tst Yr. Vladimir Opra YTD: $237,992 Net ALP Vladimir Opra

$79,610 | $118,382
2. Susan Schweitzer 79,363 138,228
3. Todd Faulkner 64,890 86,536

Ladislav Lesanek | AliShahrak * 5. Francisco Perez 141,026 | 219283 T Jeffrey Dinocento | Eric Giglione

СЕТУ

4. Darren Brink. 54222 81,826 89 Nickolay Gusev Vlad Basov 6. Hal Herman 136,735 206,773 Paul Rumbuc Durhon Oldham
5. Anthony Thomas 53519 75,953 | 93 5 Israel Pena. Tom Williams 7. Gregory Jeffers 128542 180,213 David Hausman | Eric Giglione
8. Tod Brown 126,348 192,130 William Heath Mark Hancock
Supervising Agent selection guidelines for recognition in the Spotight areas follows: Must ave one First Year Agent coded and meet at production requirements На 124452 183025 VAS CoU David Cohen
10.EmmanuelleFantoli| — 123.188 183519 David Iriye David Cohen.

General Agent selection guidelines for recognition in the Spotlight аге as follows: Must have two First Year Agents coded and meet all production requirements.

р SPOTLIGHT OCTOBER 2002 = WWWAILIFE.COM SPOTLIGHT OCTOBER 2002 в WWWAILIFECOM 13

MASTER GENERAL AGENTS ©

Rochester, NY Edison, NJ

Swansea, IL Los Angeles,

ald VanWoesik

Irving, TX

9. Melanie Cohen.
Framingham, MA San Diego, CA

SPOTLIGHT OCTOBER 2002 ж WWWAILIFECOM

1. Paul Rumbuc.

2. David Hausman
3. Wendell Bangs
4. Jeffrey Dinocento
5. Eric Neal

6. David Iriye

7. Ronald VanWoesik
8. Steven Greer

9. Melanie Cohen.
10. John McCreary
11. Lee Conti

12. Nickolay Gusev
13. Rick Choptuik
14. Bruce Hennick
15. Russell Chang
16. Roger Geering
17. Brian Traboulay
18. Melinda-Rae Lyse

MASTER GENERAL AGENTS

Gregory Partee. 41741 53,510 679
Robert Delesky 41,653 50,260 707

Month: $190,653 tst Yr. Slav Bilman Month: $236,811 Net ALP Ed Orell

$140,740 | $214,772 80.2
135554 | 161330 674
80893 | 122301 754
77375 | 116408 | - 785
70231 70,654 677
63,867 63,867 730
59,970 59231 738
58,286 63,145 83,0
57,169 57,194 824
53,527 53,527 66.6
51,210 76,157 733
50313 65,545 807
49,206 59,074 66.9
48424 59,299 787
47512 49921 813
46,230 58,078 97
45,288 44,705 740
42,208 66,183 684

Durhon Oldham

Eric Giglione.

Rick Altig

Eric Giglione
Geneser-Bitman
David Cohen X
Vlad Basov |
Durhon Oldham
Giglione-Brister
Furer-Whittinghil
David Cohen

Viad Basov

Rick Altig

Marc Morton.

Rick Altig

Steve Friedlander
Rick АНК

Rick Altig

Vic Hancock

Eric Giglione

700 Net ALP Et Orell.

426,264
412,684
410,298
401,718
399,358
398,186
389,399
376,776

Durhon Oldham
Eric Giglione
Geneser-Bitman
Eric Giglione
Rick Altig

David Cohen.
Furer-Whittinghill
David Cohen.
Tom Williams
Scott Smith
Jatoft-Foti
Cohen-Hartman
Eric Giglione
Larry Geneser
Eric Giglione
Chris Lafond
Rick Altig

Vic Hancock
Altig-Martyn
Durhon Oldham

Master General Agent selection guidelines for recognition in the Spotlight are as follows: Must have four First Year Agents coded and meet all production requirements,

SPOTLIGHT OCTOBER 2002 » WWWAILIFECOM

Paul Rumbuc
$12,954

David Hausman
$10,641

Eric Neal
$7,776

Ronald VanWoesik
$7,164

Melanie Cohen
$7,151

Rick Choptuik
$7,001

Russell Chang

$5,721

Nickolay Gusev
и

David уе
$5,286

Steven Greer

а Hauck

Kevin Surles

‚623

Ern Hennick

Steven Lee
$4,169

Jeffrey Dinocento

MANAGEMENT BONUS

Monthly Management Bonus
65 Percent and 70 Percent MGA Contracts
57.5 Percent GAs Coded Under MGA

September Bonus Qualifiers

Lee Conti
$4,025

Carla Miller
57

Jonathan Saluk
$3,620

Leslie Taylor
Gregory Partee
‚460
Blair-Schurr
E
Mahmoud Kenareh
331
Sidney Hodgskiss
$3219
Wendell Bangs
$2,890
Pat Shehan
$2,830
Ladi Lesanek
$2,792
James Logan
$2,621
Brian Waller
$2,607
Brian Traboulay
$2441
Roger Geering
$2354

SPOTLIGHT OCTOBER 2002 =

Kevin Frain William Heath
$2273 [
Hija Orlovic Bill Thompson

2,231 $866
Derek Hartley Imran Satti
$2,090 $727
Steven Jakubczak Matthew Woltanger
$1,992 $723
Erie Nichols Dorian Oldham
$1,969 $693
Tracy Haden Christine Hartman
$1772 $668
Melinda-Rae Lyse Joshua Robinson
$171 $602
Dan Phillips. Francisco Perez
$1675 $581
Wilbur Smith Keith Zabrocki
$1,674 $565
Doreen Ryan-Foti Lisa Donoghue
$1,489 $478
Theodore Pappas Jim Bianchi
$1,136 $457
Dennis Kelleher Eric Grier
$1,117 $409
Scott Blum Joseph Ricci
$1,110 $406
Israel Pena Tod Brown
$1,096 $361
Joseph Diecedue Kevin Appasamy
$1,086 $357

Total $179,889

WWWAILIFECOM

Denise Gilbert
$278

Donna Coffey
$269

Denise Bateman
$266

LABOR ADVISORY BOARD

Welcome to the Board

INTRODUCING:
Timothy J. Tuttle
National President,
American Flint Glass
Workers Union

Timothy J. Tuttle, National President of the American
Flint Glass Workers Union, was unanimously elected to
American Income Life's Labor Advisory Board this fall
Mr. Tuttle brings 28 years of labor experience to this
premier advisory board.

Mr. Tuttle’s employment with Coming Incorporated began
in 1974, where he held a variety of positions throughout
his career,

As a member of the AFGWU Local 1000, he served as а
shop steward at many different locations in the Corning
Valley. He served his local union as an executive
committe member for Division Oni 1989. Tuttle was
then elected Local 1000 president in 1991, a position he
held until his election as national representative for the
99th AFGWU National Convention.

In June 2002, at this years National Convention, Timothy

` Tuttle was elected national president of the American

Flint Glass Workers Union.

Mr. Tuttle has served as chairman for the Corning General
Operations Committee and the Law Committee during his
attendance at the AFGWU National Conventions in

1991 and 1993. During this same period of time, he
served as a member of the New York State Governors
Excelsior Award Board of Examiners and participated in
labor studies at the George Meany Center and Cornell
University’s School of Industrial Labor Relations. Mr.
Tuttle has also authored a number of articles for such
magazines as the Employee Rights and Responsibilities Journal
and Prehistoric American,

Mr. Tuttle's vast experience in many areas of the labor
movement makes him a perfect fit for American Income
Labor Advisory Board, Mr. Tuttle brings a working
knowledge of labor relations to our board, and we are

looking forward to a long and prosperous relationship with
Mr. Tuttle and the AFGWU.

LABOR ADVISORY BOARD MEMBERS
Paul Almeida. James Нова Milton Rosado
‘Stuart Appelbaum Joseph Hunt Michael Sacco.
‘Morton Bahr Frank Hort Robert Scandellerti
Dave Barrett Gloria Johnson Harold Schaitherser
Theodore Bikel Charles Jones Andy Stem
William Burrus Gregory Junemann Edward C. Sullivan
‘Sam Cabral James J. Kennedy, Jr. Michael Sullivan
Doug ойу George Kourpias John Sweeney’
John Thomas F Lee George Tedeschi
Gerald Feder William Lucy. Richard Trumka
Edward Fite Leon Lynch Timothy J. Turtle
Mac Fleming Martin Maddaloni Gene Upshaw
Patricia Friend John Meese Donald Wharton
Georgine Terry O'Sullivan Donald Wightman
Dr. Joe L. Greene Oscar Owens James Williams
Larry Gregoire Jules Boyd Young
James А. Grogan, Jr. WD. “Dan” Pickett Hon: Jim Wright
Don Bruce Raynor
Sonny Hall Cecil Roberts
SPOTLIGHTOCTOBER200 = WWWAILIFE.COM 7

Eric Giglione
e igi

1st Yr
Agent
$364,808

Category 1

Eric Giglione

Rick Altig 892994
Larry Geneser 162,507
David Cohen 162,789

STATE GENERAL AGENTS _

SEPTEMBER PRODUCTION YEAR TO DATE PRODUCTION

1st Yr
$487,468.

$168000 — 217 TIA — $3,876,505 $1,512,000
468,000. I 685 — 6835247
108,000 T 663 2279951
156,000 750 1,624,338

Category Il

SGA Agent

Durhon Oldham — $199026
Vlad Basov 114226
iglone-Brister 93015

SEPTEMBER PRODUCTION

Ist YF | standard el Standard | %

YEAR TO DATE PRODUCTION

ç Of
tdrd
$72,000 901 $4,411,421 $648,000 218
84,000 571,888 576,000
84000 . 576289 408000 141

Net ALP

Category Ill

ТАД
Agent

Vic Hancock. $88,902
Tom Wiliams 86,647
‘Allan Jennings 76,852
Mare Morton 72,989

SEPTEMBER PRODUCTION YEAR TO DATE PRODUCTION

Of | I
Standard | 8,01 | Net ALP | NG | Rin [AG

$60,000 — 148 5110,43 93 $207,483 $120000 173 $256,983
60000 144 158461 710 1,331337 540000 247 1820706
60000 128 90568 658 447,601 396000 113 — 560610
80000 — 122 — 107301 716 — 888822 540000 165 1,150,898

SPOTLIGHT OCTOBER 2002 = WWWAILIFECOM

STATE GENERAL AGENTS

Larry Geneser & Slav Bitman

SEPTEMBER PRODUCTION YEAR TO DATE PRODUCTION

а Jui 1st Yr
Standard | Siard | NeLALP | NG] Rin | Agent
m

$217,123 — $48,000 $274,618 663 $1,737,592
91470 48000 124,606 1 632158
000 127415 7 893870.

91455
82978 48000 116868 Е 889,551
75734 48000 91,039 I 850,974
61,016 48000 63279 T 583882

48000 58222 277,552

YEAR TO DATE PRODUCTION

$74,021 $36,000 206 $102,537 68.4 $592,827 $324,000 183

60070 36000 167 72863 97 60,070 36000 167
53363 36000 148 88563 687 _ 346712 — 324000 107

SPOTLIGHT OCTOBER 2002 » WWWAILIFECOM 19

PR Man

PR REPRESENTATIVES

Debbie Enstedt
Winnipeg, MB.

Category B:

Bernard Wendel
Kaneohe, HI

Robin Andrade
Framingham, MA

Laurie Onasch
Menomonee Falls, WI

Malka Arony
Phoenix, AZ

| Halifax, NS eem.

Roy Jessome

Darrell Dorey
Halifax, NS

SPOTLIGHT OCTOBER 2002 а WWW.AILIFE.COM

PR REPRESENTATIVES
September Production YTD Production
PR Manager PR Manager No. Cards SGA
1. Debbie Enstedt Rick Altig “1. Debbie Enstedt 149,069 | Rick Altig
2. Malka Arony Cohen-Hartman *2. Malka Апу 40,866 | Cohen-Hartman

3. Becky Cutler

Bill Jennings

3. Richard Meshulam 27,924 | David Cohen

Month: 18,960 cards Anthony Gentili

YTD: 61,879 cards Denise Bowyer

Category A

1. Bernard Wendekier
Robin Andrade
Leo VanDenBussche
AI Wall
Rona Spano

No. Cards

Rick Altig
Giglione-Brister
Rick Altig
Joshua Chalom
Scott Smith

Category A No. Cards SGA
"1. Rona Spano 28,308 Scott Smith

*2. Brenda DiSomma 25,510 | Eric Giglione
"3. Robin Denham, 24,843 | Larry Geneser
4. Richard Meshulam | 21,494 | David Cohen

5. Bernard Wendeker | 20,686 | Rick Altig

Category B
1. Malka Arony

2. Laurie Onasch

3. Joseph Ward

4. Krissa Hensley
5, William Verbeten

Cohen-Hartman
Manone & Altig
Geneser-Bitman
Mike Jones

Joseph Manone

Category B No, Cards SGA

All Time PR Group Producti
YTD: 330 groups Darrell Dorey

1. Roy Jessome
2, Darrell Dorey
3. Vivian Dwyer

4. William Gibson
5. Kenneth Altizer

Ramin Kouladji
Ramin Кошай
Ali Shahrak.
Scott Smith
Marc Morton

Category С No. Groups SGA

*1. Darrell Dorey 450 | Ramin Kouladji
^2. Roy Jessome 127 | Ramin Kouladji
*3. Richard Case 110 | James Surace

4. Kenneth Altizer 108 | Marc Morton

5. Vivian Dwyer 95 | Ali Shahrak

Category А = SGA categories one and two. Category B = SGA categories thee four, five and six. Category C = Top number of contracts signed from all SGA
Categories. Public Relations Manager selection guidelines for recognition in the Spotlight are ав follows: Must have two PR. Representatives coded and meet all

production requirements.

SPOTLIGHT OCTOBER 2002 » WWWAILIFECOM E

September Qualifiers

Kenneth Altizer
Leo VanDenBussche.
Darrell Dorey
Vivian Dwyer
Bernard Wendekier
AI Wall.

Robin Andrade
Robin Denham
Laurie Опазс
Jacqueline deVooght
Rona Spano

Malka Агопу

Anne Bowyer

Becky Cutler

Linda Bauknecht-Hicks.
Bill Gibson.

John Wilkinson.
Richard Case
Brenda DiSomma
Sandra Johnson
William Verbeten
Erin Mckee

Torrie Hobson
Jenny Williams
Erica Dalager

Patti Morgan

Cheryl Cook

David Provencher
Anat Cohen

Susan Kelleher
John Wagner
Cynthia Ware
Joseph Westfall
Donald Spohn
James Tasker
Mario Soljan
Catherine Briggle

$288
$280
$280
$275
$275
$263
$250
$250
$250
$250
$250
$250
$210
$200
$200
$200

$17,317

SPOTLIGHT OCTOBER 2002 ж WWWAILIFECOM

PR BONUS

Third Quarter Qualifiers

Rona Spano

Robin Denham
Malka Arony
Jacqueline deVooght
Bernard Wendekier
Leo VanDenBussche
Laurie Onasch
Robin Andrade
Erin McKee
David Blaisdell
Catherine Briggle
Brenda DiSomma
AI Wall
John Wilkinson

fa Bauknecht-Hicks
Eileen Hanson-Kelly

Sandra Johnson

$19,000

RECRUITING

The Time and Place are Now!

Anyone who follows sports has heard the term prime time
player. The term is most often used after a great play to
describe the playmaker. The playmaker being the individual
who comes through in the crunch — the last quarter or last few
minutes of the game. Basically, the prime time player is the one
in the right place at the right time in order to make the play of
the game.

At American Income, we are entering our fourth quarter and it
seems we have the game in the bag. So far this year, we have
had one record breaking month after another, and as we move
into the last part of 2002, we are getting closer and closer to
reaching our $75

prepa « However, I am here to rell.

you now is the time and the place

of these interactive tools can be used in several situations.
during the hiring process. Give it to applicants to take
home and review. The AC42 is just the perfect size to use
when recruiting one-on-one; keep a few with you at all times.
and hand them out to anyone you feel is ап. American
Income prospect. ^

ACSI The Spirit of AIL Video — Several Managers and
БОА» use this piece to start group interviews. It can also be
yplicant to take home and view with a spouse,

given to thi
In addition to these recruiting aids, the Home Office has also
created an e-mail resume response letter to increase applicant
activity in the coming months. The resume response is
implemented every time a resume is sent via e-mail. The
response is as follows:

Hello,

to make your play. Simply put, it
is crunch time, and we are looking
to our prime time players to pull

us into the home stretch.

Recruiting is now more significant

в we focus our efforts on making
the fourth quarter the best of the
К nsure we are able to
finish the
everything we can to create as
much activity as possible in our
Agencies. The time and place
fare now to focus on recruiting
and training.

ar strong, let's do

FROM THE DESK OF:

My name is (SGA name), and Lam
а State Director with American
Income, I reviewed your resume
оп the Internet and felt 1 should

Bo Gentile contact you immediately. Our
National Recruiting company currently has openings for
Director outstanding individuals like you!

If you are seeking a financially
rewarding career with a Fortune.
500 company that believes in

ize the day [carpe diem]: trust not to the morrow." | honesty, integrity, and trust, then 1

— Horace | would like to speak with you.
Please reply to the e-mail or call.
my office at (phone number) so we

Push personal recruiting during
this last quarter of the year. The numbers show, time and time

again, a personal recruit will stay with your Agency and can be
held more accountable than an internet recruit. Just imagine if
everyone personally recruited one person this month; that would
mean an increase of 100 percent in our Field Force. We would
пос only shatter the 2,000 level but be knocking on 4,0005 door.
To do this, be sure you are using all recruiting materials at your
disposal such as these:

АС6 Recruiting Brochure — This is great ro use at job fairs
or leave with placement counselors at local colleges and
unemployment offices. It can also be displayed in Agency
lobbies where applicants can review it prior to an interview.

AC41 and AC42 Large and Small Recruiting CD — Both

SPOTLIGHT OCTOBER 2002 & WWWAILIFECOM

can schedule an interview.

At American Income, you are in à most unique position, You
have nor only created stability for your life, you are helping to
insure the livelihood of the people to whom you sell insurance
as well. Don't forget, if someone had not recruited you, where
would you be today? Return the favor. Go out and introduce
the American Income and National Income opportunity to

as many people as you ean, If you do, “it will come back to
you tenfold!"

The next couple of months belong to you, so take pride in that
and make sure your team finishes number one. It is up to you to
be in the right place at the right rime to be a prime time player.
Just remember the time and place are now!

Orlando, Florida

BEACH
BUMS

WELCO

Dear Diary)
Day 1: On my way to Walt Disney World® I decided to take av walk
along the beach. The view of the ocean was so breathtaking,

I have decided to spend the day here.

Day 2: І wax ow my way to Universal Studio®, but it way such
w beautiful day, I decided to take another walk ow the white:
sandy beach. I have decided to stay here today,

Day 3: On my way to Busch Gardens”, I heard the relaxing
sound of the rolling waves. I decided to take walk ow the
beach again. I have decided to spend another day Were.

Day 4: Forget any and allplans; I’nvgoing tothe beach for the rest of my vacation.

Yow could visit one of our many
attractions around Orlando,

but yow dorst howe te!

Orlando's sandy beaches, rolling surf and warm, tropical breezes beckon beach bums
and sun worshippers to the nearby Atlantic coast beaches.
So bum all you want, we don't mind.

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